Stillwater, MN · Cert 27234
FDIC · 22 branches
Q1 2016
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2015 SOD (annual) · 0.4% share · #10 of 154 inst. · $0.8B of $171.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.02% | 0.35% | 0.50% | 0.57% | 0.60% | -141 bps | |
| Return on Equity | 22.87% | 3.46% | 4.52% | 4.94% | 4.47% | -1,840 bps | |
| Net Interest Margin | 4.37% | 1.62% | 2.57% | 3.02% | 4.29% | -8 bps | |
| Efficiency Ratio | 57.69% | 51.90% | 55.12% | 57.31% | 71.27% | +1,359 bps | |
| Non-Interest Burden | 2.28% | 0.88% | 1.38% | 1.67% | 2.96% | +68 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.81% | 7.10% | 6.65% | 7.19% | 5.64% | +183 bps | |
| Loan Growth (YoY) | 15.66% | 9.31% | 8.36% | 8.64% | 7.21% | -845 bps | |
| Deposit Growth (YoY) | 3.05% | -1.11% | 0.27% | -0.30% | -2.00% | -505 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.03% | 0.05% | 0.02% | -5 bps | |
| Allowance / Loans | 1.66% | 0.04% | 0.20% | 0.28% | 0.33% | -133 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.07% | 8.31% | 8.44% | 8.44% | 8.53% | -54 bps | |
| Total Risk-Based Capital | 13.53% | 11.34% | 11.50% | 11.14% | 11.12% | -241 bps | |
| Equity / Assets | 9.07% | 12.96% | 13.46% | 13.36% | 13.68% | +461 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 86.89% | 90.81% | 89.13% | 92.35% | 95.05% | +816 bps | |
| Liquid Assets / Assets | 5.13% | 3.78% | 4.50% | 3.22% | 3.24% | -189 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |